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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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WEST GEORGIA NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEST GEORGIA NATIONAL BANK |
| Address | 201 MAPLE STREET
CARROLLTON, GA 30117 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 536 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $68,509,000 |
| Average Mortgage Loan Amount Applied For | $184,241 |
| Highest Mortgage Loan Amount Applied For | $5,214,000 |
| Average Applicant Income | $125,413 |
| Highest Applicant Income | $2,426,000 |
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| Home Improvement |
113 | $1,820,000 |
$16,000 | $148,000 |
$62,000 | $349,000 |
| Home Purchase |
163 | $24,439,000 |
$149,000 | $2,480,000 |
$77,000 | $2,300,000 |
| Refinancing |
260 | $42,250,000 |
$162,000 | $5,214,000 |
$140,000 | $2,426,000 |
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| American Indian or Alaskan Native |
1 | $172,000 |
$172,000 | $172,000 |
$47,000 | $47,000 |
| Asian |
1 | $134,000 |
$134,000 | $134,000 |
$38,000 | $38,000 |
| Black or African American |
26 | $1,698,000 |
$65,000 | $415,000 |
$49,000 | $138,000 |
| Hispanic |
63 | $7,456,000 |
$118,000 | $330,000 |
$47,000 | $98,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
63 | $21,922,000 |
$347,000 | $5,214,000 |
$0 | $0 |
| Not Provided |
1 | $186,000 |
$186,000 | $186,000 |
$65,000 | $65,000 |
| White |
381 | $36,941,000 |
$96,000 | $3,912,000 |
$135,000 | $2,426,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
532 | $67,960,000 |
$127,000 | $5,214,000 |
$104,000 | $2,426,000 |
| FHA-insured (Federal Housing Administration) |
4 | $549,000 |
$137,000 | $192,000 |
$77,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
35 | $10,147,000 |
$289,000 | $5,214,000 |
$42,000 | $174,000 |
| Application Withdrawn By Applicant |
48 | $9,712,000 |
$202,000 | $2,480,000 |
$62,000 | $258,000 |
| File Closed For Incompleteness |
5 | $719,000 |
$143,000 | $192,000 |
$56,000 | $81,000 |
| Loan Originated |
448 | $47,931,000 |
$106,000 | $3,912,000 |
$114,000 | $2,426,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $593,000 |
$296,000 | $510,000 |
$70,000 | $91,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $2,287,000 |
$81,000 | $252,000 |
$37,000 | $99,000 |
| Debt-To-Income Ratio |
4 | $2,053,000 |
$513,000 | $1,213,000 |
$73,000 | $174,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $5,214,000 |
$5,214,000 | $5,214,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WEST GEORGIA NATIONAL BANK by:
Metropolitan Area And
County
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